Keep 100% of the revenue. Recruit no one.
NEXA Unlimited pays loan officers 100% of the revenue on every loan, across nine wholesale providers. Behind that sit 321 lenders, 7,000+ loan products, daily payroll, and no recruiting requirement at all.
You produce the loan. The house keeps most of it.
Most loan officers work on a split. You originate the loan, you carry the client relationship, you answer the calls - and a share of the revenue goes to a company that did not originate it. That split does not shrink because you got better at your job.
Capped earnings
Your ceiling is set by a compensation plan you did not write and cannot change, no matter how much volume you add.
Quota pressure
Retail models need predictable volume, so they push targets, product mixes and pricing the originator does not control.
No ownership
When you leave, the book stays. The clients, the referrals and the years of work do not follow you out the door.
Nine providers. 100% of the revenue. No requirement.
These nine companies pay out 100% of the revenue on every loan placed with them, with no volume requirement and no recruiting requirement at all. More than 96% of NEXA loans are placed through these nine.
- United Wholesale Mortgage (UWM)
- PennyMac
- Longbridge Financial
- eVOLend
- Finance of America Reverse
- Deephaven
- eLend
- EPM
- TLS - The Loan Store
United Wholesale Mortgage and PennyMac are NEXA wholesale providers, not competitors. Both rank among the top three lenders in the country by total origination volume, and NEXA pays out 100% of the revenue on every loan placed with them.
Three tiers. 321 lenders.
NEXA does not have one payout model. It has three. What changes is the condition attached and how much of the lender panel you draw from.
NEXA Unlimited · 9 providers
100% of the revenue. No volume requirement. No recruiting requirement. Automatic from day one - this is where over 96% of NEXA loans are placed.
NEXA 100 · 28 lenders
Non-delegated correspondent lenders, also at 100% of the revenue. The only condition is one producing recruit per year - someone who closes at least one loan a month.
Broker panel · 284 companies
The base NEXA plan: at a 275 bps margin, 220 bps to you and 55 bps to the company on the first $2M of production, then 100%. Under 4% of NEXA loans are done here.
Your book keeps paying after the loan funds.
Servicing pays roughly $25 to $30 per loan per month - about 6 to 7 basis points a year on the loan you closed. It compounds as the book grows, and it stays with you as long as the loan is serviced.
Every day is payday.
Payroll runs twice daily as loans fund, and funds land within 24 to 48 hours of closing. Not once a month, not on a lag - the money moves when the loan does.
"I enjoy being paid within 24 hours after my loan has been processed for pay."
NEXA loan officer
The model is bigger than the split.
NEXA can pay 100% of the revenue because it earns across several other businesses rather than taking it out of yours. A retail lender only has the split.
Bevri AI
Agentic AI origination built with NEXA as its first client. It completes the URLA 1003, validates income and assets, and runs DU and LPA findings before the file reaches an underwriter.
Partners and ventures
Realty, title, insurance, secured mortgage processing, a national insurance brokerage and FSBO.com - plus JV opportunities for those who want in on the businesses themselves.
Revenue share
10 bps, three levels deep, capped at $3,000 per producing loan officer per month. Paid by NEXA, never out of your recruit's side. Recruiting is optional.
It is not the same company you left.
Anyone who left NEXA before May 2024 left a fundamentally different company. The compensation model has changed, the technology has changed, and coaching that used to cost $250 a month is now included. If the reason you left no longer exists, that is worth knowing.
Start here.
The ones that come up first.
Do I have to recruit anyone to keep 100% of the revenue?
No. On NEXA Unlimited you keep 100% of the revenue on every loan with no recruiting requirement at all. Recruiting is available as a second income stream through revenue share, but it is entirely optional.
Are there per-file fees or volume quotas?
NEXA Unlimited has no per-file fees and no volume quotas. You are paid on the loans you close, at 100% of the revenue, without a production floor you have to clear. There is a monthly per-person technology fee for the platform.
What is the difference between NEXA Unlimited and NEXA 100?
Both pay 100% of the revenue. NEXA Unlimited covers nine wholesale providers with no requirement at all. NEXA 100 adds 28 non-delegated correspondent lenders, and its only condition is one producing recruit per year. Over 96% of NEXA loans are placed through the nine NEXA Unlimited providers.
Is UWM or PennyMac a competitor of NEXA?
No. United Wholesale Mortgage and PennyMac are wholesale providers NEXA works with. NEXA places loans with them and pays out 100% of the revenue on every one.
How can NEXA pay 100% of the revenue with no per-file fees?
NEXA earns across other businesses in its ecosystem - servicing, technology, partner companies and ventures - rather than taking a share of the originator's revenue. That structure is what allows the payout to be 100%.
Where is NEXA licensed?
NEXA Mortgage is licensed in 48 states plus Washington DC, Puerto Rico, Guam and the US Virgin Islands.
Do you offer W-2 and 1099 options?
Yes, both, depending on your state. Payroll runs twice daily as loans fund, with funds landing within 24 to 48 hours of closing.
Run your own numbers.
Book a call and we will walk through your production, the three tiers, and what 100% of the revenue looks like at your volume.
This site is for the recruitment of licensed mortgage professionals and is not an advertisement for consumer credit, an offer of employment, or a commitment to any specific compensation. Compensation, lender availability and program terms are set by NEXA Mortgage, LLC and are subject to change - verify all current terms directly with NEXA Mortgage, LLC. Bill Burg, NMLS# 1647508, AZMB#0944059 | NEXA Mortgage, LLC, NMLS ID #1660690 (nmlsconsumeraccess.org). Equal Housing Opportunity. Lender rankings: UWM and PennyMac ranked #1 and #2 by total origination volume in Q1 2025 (HousingWire, April 2025).